Terms apply. One-of-a-kind items, such as rare stamps and coins. Claim amount was around $300. It isn't and even better, the process is very simple. American Express Purchase Protection Guide: (Claims, Forms) [2021] This information may be different than what you see when you visit a financial institution, service provider or specific products site. NerdWallet strives to keep its information accurate and up to date. Eligible American Express cardholders can get reimbursed up to $1,000 or $10,000 per item (depending on the . For return protection, you have to file a claim within 90 days of your original purchase. This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. Checking vs. Savings Account: Which Should You Pick? Help protect your eligible Even when you don't need it, just knowing your card offers it can give you peace of mind. Objects such as motorized vehicles, artwork, gift cards and perishable items like perfume, food, light bulbs and batteries are all typically ineligible for purchase protection coverage. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Terms apply. The card details on this page have not been reviewed or provided by the card issuer. With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. Everything you need to know about Amex purchase protection There are also coverage limits, which depend on the card that you have. Furthermore, there are only two American Express business cards that include purchase protection benefits* for lost items, which are also the Delta SkyMiles Reserve Business American Express Card and The Business Platinum Card from American Express. So, checking the terms for your AmEx card when you need coverage is essential. How do I file a purchase protection claim? Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. Get started here: To file an Amex purchase protection claim, visit americanexpress.com/onlineclaim. Something went wrong. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. *Eligibility and benefit levels vary by card. Credit Score 101. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe. Just like if you were returning the item to the store you bought it from, Amex will reimburse you for taxes but not shipping. This depends on the circumstances of the loss. Visit Amex's dedicated webpage or call the Benefit Administrator within 30 days . Sound too good to be true? Amex cards that offer purchase protection. @catelangs 04/21/23. Since I was outside of the stores 30-day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. Cards that still offer this benefit include: ** The information for these cards has been collected independently by The Points Guy. How can I check the status of a claim? In this case, you must purchase an item thats eligible for coverage and the loss cant be due to an excluded reason. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.
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